Checkissuing.com

What Checkissuing.com does

CheckIssuing.com is a cloud-based payment operations platform that automates outbound check printing and mailing, digital check delivery, ACH payments, and document fulfillment for enterprise and mid-market businesses. Founded in 2008 (formally incorporated 2017) and headquartered in Tempe, Arizona, the company serves customers across healthcare, legal, financial services, real estate, retail/CPG, transportation, property management, payroll, and nonprofit segments. Named enterprise customers include Lyft, FedEx, Honeywell, Airbnb, IPSY, Mead Johnson, and Carvana. The company operates as a privately held, bootstrapped business with no disclosed outside capital, founded by Mark Greenspan (CEO) alongside an operational team covering systems/security, development, and customer service.

The platform is built on AWS infrastructure secured with EV-SSL 128-bit encryption and audited under SOC 1 Type II, SOC 2 Type II, SOC 3, HIPAA, HiTech, PCI DSS, FISAP, GDPR, and EU-U.S. Data Privacy Framework certifications. Core technology components include MICR-encoded check production with Positive Pay fraud prevention, NCOA/CASS address cleansing, USPS Intelligent Mail Barcode tracking, Plaid-powered instant bank verification, and a modern REST API documented at web.checkissuing.com. Production facilities in Phoenix, AZ and Nashville, TN support same-day shipping SLAs and per-batch capacity of up to 100,000 checks and 10,000 ACH payments. Pre-built integrations with QuickBooks, Intuit, and SAP, plus a white-label administration system, support both direct enterprise and OEM/embedded distribution.

Revenue is generated through a pure transaction-based pricing model with no monthly fees, setup costs, or minimums: physical check printing/mailing ranges $0.10–$0.60 per check, digital checks $0.05–$0.75, ACH $0.10–$1.00, document mailing $0.05–$0.25, and 1099 forms $1.10 plus a $75 setup fee. Go-to-market is hybrid—an API-first self-serve web portal serving mid-market users, combined with direct enterprise sales for high-volume custom contracts and white-label/OEM partnerships for embedded distribution. Specialized offerings include Canadian cheque distribution, rebate processing (Rebate Firm brand), and inbound lockbox services, extending the platform across both payables and receivables workflows.

Name

Checkissuing.com

Legal name

CheckIssuing.com

Website

https://checkissuing.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

CheckIssuing.com is a cloud-based payment operations platform that automates check printing and mailing, digital check delivery, ACH payments, document fulfillment, and tax form processing for enterprise and mid-market businesses across healthcare, legal, financial services, retail, transportation, and real estate.

Ownership category

akta.pro rank

Product category

Business Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Blank Checks (6770)

akta.pro industry

PRIMARYBPAMAFAF

Bill Pay, Invoicing & Payables Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

• Check printing services
• ACH payment processing
• Digital check delivery
• Accounts payable automation
• Document mailing services

Headquarters

HQ city

Tempe

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Supply Chain, Marketing or Sales, Infrastructure

Revenue model

1. Check Printing and Mailing Services: Transaction-based fees for physical check printing, envelope inserting, secure mailing via USPS or courier services. Pricing ranges from $0.10 to $0.60 per check depending on volume and configuration. USPS First-Class postage calculated separately.
2. Digital Check / Email Check Services: Electronic check delivery via email with pricing from $0.05 to $0.75 per digital check. Enables instant digital delivery without printing or mailing costs.
3. ACH Direct Deposit Processing: ACH EFT payment transfers with pricing from $0.10 to $1.00 per payment. Includes payee banking information retrieval and processing through secure ACH networks.
4. Document Printing and Mailing Services: Statement, invoice, and business communication printing and mailing from $0.05 to $0.25 per document. Supports variable data printing, color documents, envelope insertion, and USPS delivery.
5. 1099 Tax Form Processing: 1099 e-file and print/mail services starting at $1.10 per form plus $75 setup fee. Includes TIN matching, correction portal, and IRS e-filing. Supports 1099-NEC, MISC, INT, DIV, 1098, 1096, and other tax forms.
6. Rebate Processing and Fulfillment: Full-service rebate management including digital rebates, rebate check processing, rebate check mailing, and ACH payouts. Custom pricing based on program complexity and volume.
7. Lockbox Services: Full-service lockbox processing for inbound checks, documents, and receivables with portal visibility. Custom pricing based on volume, document types, deposit cadence, and reporting complexity.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

CheckIssuing provides a cloud-based payment automation platform that prints and mails physical checks on behalf of businesses, processes ACH direct deposits, and delivers digital checks via email. The service combines check fulfillment with API-driven payment automation and add-on modules including 1099 tax form processing, rebate fulfillment, lockbox services, Canadian cheque mailing, expedited delivery, and a white-label administration system for partners.

Product overview

CheckIssuing is a digital payment processing and check fulfillment platform that operates as a unified payment operations solution with modular products. The core platform combines check printing and mailing services, digital check (email) delivery, and ACH direct deposit as the primary payment rails, supplemented by document printing and mailing services for transactional communications. Add-on modules extend the platform for specific use cases: 1099 tax form processing and e-filing, rebate processing and fulfillment, lockbox services for inbound receivables management, Canadian cheque distribution, expedited delivery options, and NACHA file submission for ACH automation. A white-label administration system enables partners to rebrand the entire platform under their own identity. The architecture supports both individual product usage and integrated cross-service workflows (e.g., combining outbound checks with lockbox for complete receivables/payables operations).

Differentiator

Problem solved

Functional benefit

Products and services

• Check Writing and Mailing Services
• Email Checks (Digital E-Check)
• ACH Direct Deposit
• NACHA File Uploads
• Canadian Cheques
• Expedited Check Payments
• Document/Statement Printing and Mailing
• 1099 Services
• Rebate Processing Services
• Lockbox Services
• White-Label Administration System

Quantifiable outcome

• Payment processing time reduced from weeks to minutes for email checks
• +3 more outcomes

Named customers7 records

Segments9 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature9 records

Partnerships

Four partnerships are on record, tiered core.

• PlaidcoreTechnology or IntegrationStrategic partnership for instant bank account authorization. CheckIssuing offers instant bank account verification and the ability to pass Plaid tokens for seamless, secure systems integration. Reduces onboarding friction and enhances ACH payment documentation integrity.
• Pitney BowescoreTechnology or IntegrationPartnership with Pitney Bowes for secure document production and processing. Ensures consistency across all online check printing services with certified printing partners. Part of document integrity workflow.
• Pacific AutomationcoreTechnology or IntegrationPartnership with Pacific Automation for secure check and document production. Trusted partner for high-security check printing and fulfillment, supporting secure processing and reconciliation.
• Amazon Web Services (AWS)coreTechnology or IntegrationInfrastructure provider for CheckIssuing's cloud platform. AWS supports more security standards and compliance certifications than any other major cloud platform. Same infrastructure used by the NSA for data protection.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Tipalti: Global payables automation platform covering supplier onboarding, invoice management, tax compliance (1099, international), and mass payments. Overlaps with CheckIssuing on AP disbursement and 1099 workflows, with a more globally distributed footprint.
• Bill.com: Public AP/AR automation platform serving SMB and mid-market. Directly comparable to CheckIssuing on accounts-payable disbursement, vendor payment workflows, and integrated ACH/check rails, though Bill.com has a far broader AP feature set and venture-scale capitalization.
• AvidXchange: Mid-market and enterprise AP automation specialist offering invoice processing, electronic bill payment, and check/ACH disbursement. Comparable target customers (property management, nonprofits, healthcare) and overlapping payment-rail offerings make it one of the closest direct competitors.
• Stampli: AP automation platform focused on invoice collaboration, approval workflows, and payment execution including check, ACH, and card. Directly comparable to CheckIssuing on the AP/approval/payment-execution stack for mid-market and enterprise.
• Modern Treasury: Payments infrastructure platform offering developer APIs for ACH, wire, RTP, and check disbursement. Comparable to CheckIssuing on the API-first, programmable payment-rail thesis, though Modern Treasury targets fintech/platform developers rather than end-issuer AP workflows.
• Melio: B2B payments platform targeting small businesses with ACH and check payment workflows. Overlaps with CheckIssuing on AP disbursement, particularly for SMBs sending vendor payments, though Melio's distribution skews self-serve/SMB versus enterprise.
• Routable: B2B payments platform offering check, ACH, and international disbursement with developer APIs. Comparable to CheckIssuing on developer-first AP/payables automation and the transition between physical and digital payment rails.
• Checkbook.io: Digital check payments platform offering web and API-based eCheck issuance. Closest pure-play competitor to CheckIssuing's Email Checks/Digital E-Check product, though narrower in physical fulfillment scope.

Emerging players

• Dwolla: ACH-focused payments API platform enabling bank-to-bank transfers and disbursement workflows. Comparable to CheckIssuing's ACH Direct Deposit and NACHA automation capabilities, with a more developer-platform orientation and limited physical fulfillment.

Others

• Plaid: Financial data and bank-account-verification infrastructure provider. Already a strategic integration partner of CheckIssuing (Plaid token exchange for instant bank authorization). Comparable as ecosystem enabler rather than competitor, given its non-overlapping core product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/checkissuing
• YouTubeyoutube.com/channel/UCrU5zPWPT69fcrqkFoMa1CA
• Facebookfacebook.com/Checkissuing
• LinkedInlinkedin.com/company/checkissuing

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Checkissuing.com